This is a nice joke, but the interesting thing is: if you can make millions a year consistently, without running out of "customers", then by the laws of the free market, you must be providing a valuable service to someone, otherwise it wouldn't happen! The label of "Fraud" is actually irrelevant or added by a regulating State. Note how a scam wouldn't apply here, because one would run out of willing "customers" quickly. If a fraud consistently generates millions a year, it's not a fraud. "If it's stupid but it works, it's not stupid!" 